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General Law

Bankruptcy is a means of obtaining a fresh financial start.

You’ve worked too hard to continue struggling with debt problems and dealing with harassing creditors. There are solutions that can help you get back on track, rebuild your credit, and get back to your life or your business.

These are the types of bankruptcy that may be filed by consumers and businesses:

Chapter 7

Often called “straight bankruptcy”, Chapter 7 completely releases you from most of your debts, except for student t loans and child support payments. If you are making payments on a car or home, and you want to keep these assets, you’ll make arrangements with your creditors to keep paying for them. Chapter 7 may be voluntary (initiated by you), or involuntary (initiated by your creditors).

Chapter 11

A “reorganization” type of bankruptcy that allows business owners to make payments to creditors while still operating their businesses. This type of bankruptcy may be the best option if your business has significant income and assets.

Chapter 12

A special type of bankruptcy for farmers and family fishermen. This type of filing is easier and less expensive than Chapter 11, but allows for the reorganization of greater debt amounts than Chapter 13.

Chapter 13

Often called “wage earner’s bankruptcy”, this type of filing does not erase personal debt; rather, it gives you the chance to make payments to your creditors over a period of time – usually 3-5 years. It allows you to keep your assets while still reducing your debt. Chapter 13 bankruptcies may be voluntary (initiated by you), or involuntary (initiated by your creditors).

When you’re ready to end your bill problems once and for all,
call (704) 453-3188 to set up a consultation to talk about how I can help you.

CALL TODAY, SLEEP WELL TONIGHT!!

Every case is different, and we understand that a job loss, a sickness, a separation or divorce, or just a home that has become a little too expensive can cause financial issues that you may think you cannot escape. It is our job to ensure you know what your options are, and how Bankruptcy may be able to help you obtain a fresh financial start. Stephen Court understands that each individual client’s situation is different, and calls for a different approach. I have the experience and understanding to get you through this process.Each one of his Bankruptcy clients gets an in depth, individual, and thorough financial analysis. He will look at your income, expenses, and assets, and tell you what you can exempt and what can potentially cause issues in a Bankruptcy case.

Stephen Court is dedicated to his practice and clients. He treats every case with the care and attention it deserves. At the Law Offices of Stephen G. Court your case will be handled by an attorney throughout every stage of the legal process. Telephone calls are returned within 24 hours. The areas of Bankruptcy Law, Collections and Judgment Enforcement are the Firm’s main focus, however other areas of general legal practice including wills, contracts and civil disputes are also handled.

If you have questions regarding your rights and/or liabilities under the law, do not hesitate in contacting this office. Most general questions will be answered as a courtesy over the phone. If you need a more in-depth legal consultation we offer a flat rate fee of $150 for a 30 minute consultation. You will receive an evaluation of the factual issues as they relate to the law so a course of action can be determined.

Consultations for bankruptcy are free.

Stephen G. Court, Esq.

Stephen G. Court, Esq.

Stephen Court is admitted to practice law in the states of New York and North Carolina and a member of the North Carolina Bar Association. He has been practicing law for over 18 years.

Stephen graduated from Albany Law School in 1999. Prior to law school he studied music composition and philosophy with focus in law at the State University of New York at Fredonia where he earned his degree in 1996.

During law school Stephen was employed by the Government Law Center at Albany Law School where he conducted legal research for projects involving municipal law and land use, zoning and planning. Following graduation Stephen worked for the New York State Department of Motor vehicles where he drafted the analyses of administrative appeals filed under the New York Vehicle and Traffic Law. Within a year Stephen accepted a position as Assistant Corporation Counsel for the City of Schenectady to head the City’s tax foreclosure proceedings. During his tenure at the City, Stephen also acted as counsel to the Zoning Board of Appeals and inherited the role of City prosecutor for enforcement of the City’s code regulations.

In 2002 Stephen maintained a private law practice in Saratoga Springs, NY, fulfilling legal services for debt negotiation, bankruptcy relief, collections, real estate transactions and litigation of cases involving criminal defense, family law, and consumer credit protection. Within his practice Stephen saved many homeowners who found themselves victims of predatory lending and assisted debtors with reorganization of their debt. In 2004 Stephen’s office was also retained by Amideo Nicholas Guzzone & Associates, P.C., a reputable personal injury law firm in New York, to assist them with their pre-trial litigation of personal injury cases involving auto accidents, slip/fall injuries and no-fault law.

In 2007 Mr. Court moved to North Carolina with his wife and kids and joined the Charlotte law firm of Wells Daisley and Rabon, P.A. as an associate attorney for bankruptcy law, employment law, business law, and debtor/creditor actions. In 2010 Mr. Court opened up his current private practice serving clients in the Charlotte, Statesville and Lake Norman area.

Mr. Court also has a small recording studio in Mooresville, NC writing music and playing piano and guitar.

BAR ADMISSIONS

Admitted in New York,January 2000

Admitted in North Carolina,October 2007

Admitted to the Federal Bar,Western & Middle District of North Carolina,2008, 2010

Admitted to the Federal Bar,Northern & Eastern District of New York,2001, 2004

EDUCATION

Albany Law School,Albany, NYJuris Doctor,May 1999

State University of New York at Fredonia,Fredonia, NYB.A., Philosophy with Concentration in Law;Music Composition, May 1996

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Stephen G. Court

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